Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Northfield Savings Bank
Northfield Savings Bank
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
2
-33.3% vs 2024Originations
$320,000
Loans x average loanAverage loan
$160,000
Average interest rate
5.88%
Denial rate
50%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 4 | 2 | $320,000 | $160,000 | 5.88% | 50% | 0% |
| 2024 | 8 | 3 | $385,000 | $128,333 | 7.15% | 38% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| VT | 2 | $320,000 | $160,000 | 5.88% | 50% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.